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Individuals who become eligible for Social Security must also decide whether or not to enroll in Medicare. For most individuals, there is no cost for Medicare Part A. Medicare Part B is optional, but its cost may include a penalty for late enrollment. To avoid the cost of late enrollment, individuals eligible for Social Security may need to consider enrolling in Medicare Part B when it first becomes available.
Medicare Part A and Medicare Part B are the original Medicare components.…

When you own a freight shipping business it is important to realize that there are things that you need to do to ensure that your business is as protected as it can be at all times. There are many new business owners who do not realize that they can be held reliable for any and all damage that is done by their drivers. The following guide walks you through a few tips to use to ensure that your freight shipping business is as safe as it can be at all times.…

Homeowners insurance is a very important part of your monthly payment. You will need to get homeowners insurance before you close on a house, and you want it to be the best insurance that you can find. Most of the time you will be required to maintain a minimum amount of coverage, and most loan agencies like to see a $1,000 deductible. However, you can qualify for better rates if you take specific actions.…

Picking good auto insurance can be a struggle because there are so many different options that you can pick from. You are going to have to do a lot of homework and decide exactly the amount of coverage that you want. Once you do that you can start to really shop around for the best price. What you may not know is there are a few variables that are going to have a direct impact on the amount of money that you pay each month for your insurance.…

One of the most stressful things that a homeowner can experience is a house fire. The reason why is because fire can spread and cause large amounts of damage in no time. Even the water that is used for putting the flames out can be detrimental to the house. If you recently went through a fire and your house is still salvageable, getting things back in order will be a lot easier if you get assistance from a public adjuster.…

Some people are so against filing a claim on their homeowner’s insurance policy for fear of spiked rates afterwards. While filing claims can affect your rates, it’s important to understand how most insurance companies view and handle claims due to storm damage. Here are some important things to understand about this if you are currently considering filing a storm-damage claim.
“Acts of God” are expected
“Acts of God” is a phrase that refers to storms that sweep through, and this can include wind storms, hurricanes, and other types of events that can lead to damage to homes, cars, and other assets.…

If you are planning to install a backyard swing set, then you should also take appropriate measures to keep kids safe on it. You don’t want kids to get hurt and have their parent’s sue you for negligence. The following measures will prevent that from happening:
Invest In the Right Swing Set
Swing set safety begins with the purchase of the right swing. This is one of the areas where a contraption made from old or recycled materials won’t do; recycled materials are dangerous.…

According to a 2016 survey conducted by the Insurance Information Institute, only 41 percent of renters in the United States have renters insurance. Unfortunately, the large majority of Americans are leaving themselves vulnerable to financial ruin because they don’t understand how renters insurance works, or assume it’s too expensive.
If you’re considering purchasing renters insurance, you probably don’t understand where to begin, what is involved and how much of your stuff is covered in the event of a robbery or natural disaster.…

For many businesses, as the seasons change, so do some of their operating procedures. Make sure you’re also reevaluating and making any necessary changes to your commercial insurance with these changes; especially when it comes to summer. Whether it’s an increase in your employees or a hike in crime, evaluating some of the changes that may come along with summer can help you better ensure your company is properly insured.…

After buying your new home, your next step should be to purchase a homeowner’s insurance policy. This type of insurance policy can help you recover the cost of repairing or replacing your home after a catastrophic storm, fire or any other type of damage or loss.
You know you need homeowners insurance, but you might not be sure how much coverage you’ll actually need. The following explains some of your coverage options and their recommended amounts.…

About Me

I have never been one of those people who is overly worried about something bad happening, but a few years ago my sister was involved in a serious car accident. In addition to helping her through her recovery, the incident was brutal on the family finances, and they were left with very little money for the long haul. I knew that I had to do something to protect my own family, so I started focusing on understanding insurance claims and finding the right policy. It was a lot of work, but before I knew it I had a policy that I felt good about. This blog is all about understanding insurance claims and shopping for a great plan.